Search found 24 matches
- Tue Oct 13, 2020 7:39 am
- Forum: Personal Investments
- Topic: Married filing jointly - 401k contribution limit
- Replies: 12
- Views: 1344
Re: Married filing jointly - 401k contribution limit
19.5k is the pretax limit to employee contributions (assuming you are on the younger side), you may be able to add more post-tax if your employer offers that option in their plan. You need to read your employers 401k plan information to know that.
- Sat May 09, 2020 11:57 am
- Forum: Personal Consumer Issues
- Topic: Rocks or Mulch?
- Replies: 37
- Views: 2148
Re: Rocks or Mulch?
Put down a lattice to help hold in any soil and then put plants down. That should hold up better to gravity and the plants will also help with erosion control.
- Thu Feb 27, 2020 8:17 pm
- Forum: Personal Investments
- Topic: Not a market timer, but facing unique situation...
- Replies: 4
- Views: 721
Re: Not a market timer, but facing unique situation...
This seems like a boon given the tone of your post. Make a rational decision about your asset allocation now, then be glad that you can’t do anything emotional to change things over those next few weeks when you are locked out.
- Sat Dec 21, 2019 2:31 pm
- Forum: Investing - Theory, News & General
- Topic: Investments negatively correlated with the stock market?
- Replies: 59
- Views: 5100
Re: Investments negatively correlated with the stock market?
Buying put options.
- Thu Feb 28, 2019 3:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying a house as a medical student
- Replies: 23
- Views: 1240
Re: Buying a house as a medical student
Unless you have some reason you are certain you won’t be moving for residency, it isn’t worth it. Even when starting residency you have to carefully consider the housing/rental market in the area and how long you plan on staying for residency/fellowship. Beyond the financial considerations, being ab...
- Mon Jan 21, 2019 12:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Overcontribution to 401K
- Replies: 8
- Views: 512
Re: Overcontribution to 401K
Is some of the contribution post tax? My understanding is that some plans allow post tax contributions to 401k.
- Thu Nov 15, 2018 11:14 am
- Forum: Investing - Theory, News & General
- Topic: Does Early Retirement Make You Live Longer?
- Replies: 70
- Views: 5499
Re: Does Early Retirement Make You Live Longer?
When I look at this data I think one of two things happened. Either the data was made up, or the person looking at the data made a mistake of not looking at a long enough follow-up period and didn’t include survivors in the avg age of death calculations. Imagine you take a group of 5 people who are ...
- Thu Nov 01, 2018 12:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: Payroll experts: prorating salary calculation gone wrong?
- Replies: 8
- Views: 1343
Re: Payroll experts: prorating salary calculation gone wrong?
I work with a system that pays biweekly so all pay periods have 10 days, so the math is simpler. It sounds like in the system you describe (example 1) the employee would get a better deal during longer pay periods and a worse deal during short pay periods, since the cost is an average over the year ...
- Wed Oct 03, 2018 9:45 pm
- Forum: Investing - Theory, News & General
- Topic: [CNBC article: Don't expect to retire at 70]
- Replies: 60
- Views: 7045
Re: Is this ignorance or intentionally misleading?
[quote=mptfan post_id=4147762 time=<a href="tel:1538606151">1538606151</a> user_id=892] [quote=tibbitts post_id=4147745 time=<a href="tel:1538605546">1538605546</a> user_id=489]Anyone would assume the default starting age for average lifetime would be zero. I understand why this...
- Wed Aug 29, 2018 1:21 pm
- Forum: Personal Consumer Issues
- Topic: Bone in my food
- Replies: 107
- Views: 4927
Re: Bone in my food
I ordered take out from Chipotle on Friday, just got around to eating it last night. I kept it and contacted their customer service. Do I bring the bone into the store and show the manager? Never was a big fan of their chicken but it is the only meat that I eat from them. Very odd post. First, why ...
- Sun Aug 19, 2018 5:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: What kind of medical events that may ruin your retirement?
- Replies: 73
- Views: 6325
Re: What kind of medical events that may ruin your retirement?
The most obvious is death. Number one cause of ruined retirements.flyingaway wrote: ↑Sat Aug 18, 2018 3:53 pm My question is what kind of medical events that you know which have ruined people's retirement, or bankrupted some people even before retirement? (with or without health insurance).
- Tue Jul 10, 2018 8:04 pm
- Forum: Personal Consumer Issues
- Topic: Radon
- Replies: 29
- Views: 2471
Re: Radon
We had a level of 3.8 at the time of our home purchase 2 years ago and decided to remediate after I read through the studies on radon and lung cancer risk. I work at home and we have two young children. Also, our test was run in the spring and levels can fluctuate at different points in the year. Af...
- Mon Jul 09, 2018 7:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Should I take a $60k paycut to work 4days/week
- Replies: 58
- Views: 6300
Re: Should I take a $60k paycut to work 4days/week
With higher marginal tax rates, the 60k cut might not be as big as it seems.
- Tue Jun 26, 2018 8:39 am
- Forum: Personal Consumer Issues
- Topic: Painting Aluminum Siding
- Replies: 7
- Views: 529
Re: Painting Aluminum Siding
What percentage of the entire price is that $600? Exterior painting here typically runs $5000 for a 2000 sqft 2 story home with a similar base color to much higher for large homes, so that $600 does not seem like a large expenditure compared to the overall price and I would probably go for it to try...
- Wed Jun 06, 2018 12:10 pm
- Forum: Investing - Theory, News & General
- Topic: FIRECalc anomaly
- Replies: 10
- Views: 1271
Re: FIRECalc anomaly
By the OP it sounds like invested.
- Wed Jun 06, 2018 12:07 pm
- Forum: Investing - Theory, News & General
- Topic: FIRECalc anomaly
- Replies: 10
- Views: 1271
Re: FIRECalc anomaly
If I am understanding this correctly it still sounds like a bug. Why would the starting balance be the min if the market dropped 50% on day 1? Is this occurring with the initial amount being listed as invested or sitting in a bank account or cash?
- Sat Jun 02, 2018 8:11 am
- Forum: Personal Finance (Not Investing)
- Topic: govt vs. private job offers: please help me decide!
- Replies: 38
- Views: 4236
Re: govt vs. private job offers: please help me decide!
I suggest going to the job that is closest to what you want to what you want to keep doing. Skills atrophy and develop depending upon what you are doing routinely. For my anecdote, I am not a psychologist but am in a field with clinical work with multiple forms of sub-specialization. When I finished...
- Mon May 28, 2018 5:04 pm
- Forum: Personal Investments
- Topic: 1.6 M Portfolio
- Replies: 23
- Views: 4930
Re: 1.6 M Portfolio
K is used in scientific/metric abbreviations and has been prior to computers. Kilovolt = kV, kilometer = km, etc.
- Wed May 23, 2018 12:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?
- Replies: 9
- Views: 1353
Re: Jobs after college and before graduate/medical school -- Are employers okay with you trying different jobs?
I don’t think this is a big deal for medical school. For my medical school the average matriculate age was 24, suggesting most students followed a fairly direct path to admission following undergrad. Despite this, we had a diverse representation of prior careers including teachers, computer programm...
- Mon Apr 30, 2018 1:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Help me decide if I can afford to buy an apartment for parents
- Replies: 46
- Views: 3173
Re: Help me decide if I can afford to buy an apartment for parents
If the issue is just that it is dirty, wouldn't it be cheaper to pay for a cleaner?
- Fri Apr 27, 2018 9:17 pm
- Forum: Personal Consumer Issues
- Topic: Comfortable Commuter Cars under $50K
- Replies: 81
- Views: 8665
Re: Comfortable Commuter Cars under $50K
I have a 2013 Subaru Crosstrek with a nice set of options and love it. Definitely less than $50k, closer to $28k new, I don't think I would go much higher for a vehicle. I am 35 now and not really a car aficionado.
- Wed Apr 11, 2018 6:26 pm
- Forum: Investing - Theory, News & General
- Topic: Is rebalancing with new money only superior?
- Replies: 17
- Views: 1745
Re: Is rebalancing with new money only superior?
If all things are equal, meaning you are still putting in new money at your AA, and are not dealing with tax consequences from selling, then it shouldn't matter. Say 50/50 AA with $100 to start means you have $50 bonds $50 in stocks. If stocks drop 20% (so you have $50 in bonds and $40 in stocks) an...
- Wed Dec 13, 2017 7:16 pm
- Forum: Personal Consumer Issues
- Topic: How to deal with Micro-manager
- Replies: 42
- Views: 4959
Re: How to deal with Micro-manager
Get a dog or a recording of a dog that barks incessantly. Wait for the manager to ask to mute. 

- Sat Jul 08, 2017 8:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Planning for a 25k to 30k windfall
- Replies: 14
- Views: 2270
Re: Planning for a 25k to 30k windfall
Slov: You may find this earlier post of interest: . . . Buying the Toyota saves $39,037 in 5-years or approximately $3,253/year. If instead of buying a fancier car, you invest the $3,253/year @ 8.5% in a Roth IRA, in 40 years (age 25-65) you will have saved approximately $1,043.613 (Over One Millio...